金融学演讲稿.ppt

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,Company Logo,*,Hello everyone,Our Group,李婷婷 周欣,刘雯 全婷,吴茜 左子慧,程艳 郭静怡,Saving Associations,Saving Associations,Saving association include S&L and saving banks.,Saving and loan,associations(S&Ls):,originally known as building and loan associations,were founded in the United States in the early 1830s.,Saving banks,predate the S&Ls by about 20 years and are located mostly on the East Coast of the United States.,Saving Associations,Why have we lumped S&Ls and,saving banks together as,savings associations?,1.,their assets and liabilities have similar composition,2.,the institution share other commonalities,The major sources of funds for savings associations are,:,time,savi,ng,checkable deposits,Saving Associations,The changes of saving associations over the years,Prior to the 1980,saving associations were not only prohibited from offering checkable deposits but also not allowed to pay rates on time and saving deposits.,During the 1980s,the S&L industry experienced multiple strains,more than 500 institutions became insolvent.so the FIRREA of 1989 was made.,FIs areas of specialization are increasingly overlapping.Furthermore,recent legislation now allows banks and saving association to merge.,Credit Unions,Credit Unions,Credit Unions,-Depository institutions that are cooperative,nonprofit,tax-exempt associations operated for the benefit of members who share a common bond.,Credit Unions,5 characteristics which include non-for profit financial institutions(NFPOs),Each member has one vote irrespective of the level of their savings,Remit is to provide basic financial services to individuals of modest means,Members are limited to individuals sharing a common bond,Run by volunteers predominantly,Credit Unions,The major assets and liabilities of credit unions:,Financial assets,Liabilities,Exhibit 8-3,Credit Unions,In 1980,regulatory changes first permitted credit unions to offer checkable deposits which are now a significant,liability,for credit unions.,On June 30,2004,about 33 percent of the,assets,held by credit unions were in the form of consumer loans to members while about 30 percent were mortgages.Just over 20 percent of the assets held were Treasury,agency,and government-sponsored enterprises securities.The remaining assets were deposits at other FIs,fed funds,repurchase agreements,and miscellaneous items.,Credit Unions,The total funds acquired and loaned by credit unions have grown rapidly over the years.,Credit Unions,How to explain the growth?,Being nonprofit institutions,credit unions have often offered depositors slightly higher rates and loan applicants slightly lower rates than have competing FIs.Along with the convenient locations of many credit unions helps to explain their growth.,存款性金融机构资产负债比较,存款机构,原始负债（资源来源）,原始资产（资金运用）,商业银行（Commercial Banks）,支票存款、储蓄存款、定期存款,商业、消费者、抵押贷款，联邦政府和地方政府债券,储贷协会（Saving&Loan Associations）,储蓄存款（股份）、支票、定期存款,抵押贷款,储蓄银行（Saving Banks）,存款（股份）、支票存款,抵押贷款,信贷联盟（Credit Unions）,特定社会集团的存款（股份）、支票存款,消费者信贷,Thank You!,